Date Received: 2019-03-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have been disputing a charge on my XXXX XXXX Rewards credit card. I first reported the charge in XX/XX/2018. I have sent several correspondences and have called the credit card company on several occasions. Today they are telling me that I am responsible for the charge because it is out of the allotted time to file a dispute. The credit card has reversed the provisional credit and have changed me with a late fee on that of that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to barclays. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays issued me a credit card with a {$12000.00} limit. On XX/XX/18, within a few months of receiving the card I was at a bar/ nightclub in XXXX . I authorized and signed for a charge of approximately {$100.00} USD. The merchant refused to provide me with a receipt claiming the printer on the machine was broken. Upon leaving the establishment, I discovered the merchant had charged my card 10 times for {$9700.00}, essentially maxing out the account. Note - they had also attempted to run the same unauthorized charges on my XXXX and XXXX credit cards, all of which were declined by their respective fraud departments. After spending countless hours on the phone with Barclays and receiving conflicting info with almost every call, it was determined that these charges weren't fraud since I was present at the merchant. Since the first rep I spoke with submitted them as fraud, we had to wait 30 days until that process was complete to resubmit the claims as disputes. For some unknown reason, Barclay 's then submitted dispute claims for only 6 of the 10 charges totaling {$6200.00}. The merchant didn't respond within the 45 day period so the temporary credits became permanent, which was the desired outcome. BUT, when Barclays submitted the final 3 claims ( note 1 claim for {$1.00} was disregarded and written off ) for {$3500.00}, the merchant responded providing receipts with forged signatures and invoices for items that aren't even on their menu. As such, Barclays sided with the merchant on the final 3 claims stating that they provided receipts with my signature, Barclays can't make a determination that they were forged, and I would need to handle outside the bank. The signatures look absolutely nothing like mine, and in fact, don't even look like one another. It looks like 3 completely different signatures. If you look at all of the evidence, this is one of the most blatant and egregious cases of credit card fraud ( unauthorized use ) and forgery ever. After doing some research on this merchant, I learned that they are notorious for scams and credit card fraud. There are over 50 XXXX reviews all noting similar experiences. They submitted forged receipts, manipulated surveillance footage, and a ridiculous list of items that I had allegedly purchased. Example : 2 entry tickets for approx. {$800.00} each, 17 glasses of champagne for approx {$30.00} each, etc ... Note this doesn't account for the other {$6200.00} that I allegedly spent that night for which they didn't provide receipts. Ultimately, this merchant took my card, indicated they were running a small amount ( around {$100.00} ), maxed it out with 10 separate charges for close to {$10000.00}, refused to provide a receipt, and submitted fraudulent documentation attempting to prove otherwise. They need to be shut down and flagged by all payment vendors as fraudulent. My biggest complaint against Barclays at this point is the fact that the bank, a supposed fiscally responsible financial institution, extended me credit and allowed a merchant in a foreign country to max out my card in such and egregious manor without so much as a fraud alert ( alerts WERE activated on my account ) or required second form of authorization. I wouldn't be in this position if Barclays had provided adequate fraud prevention in the first place. I feel this is an epic failure in terms of consumer protection by what I thought to be a reputable financial institution. I have no recourse other than the merchant dispute and charge-back process. Please help me in recovering these charges. Thank you in advance for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was pulled from companies I did not authorize. XXXX Date : XX/XX/XXXX Barclays Bank DE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees. My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address. They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: They double charged me for my ending balance on XX/XX/XXXX and made my bank get overdrawn. They are saying I put in a payment, which I did not. I know my account is on auto pay. Online, the payments were put in XX/XX/XXXX XXXX XXXX {$6000.00} and XX/XX/XXXX XXXX XXXX {$6000.00}. Both of these are withing an hour of each other. They told me it could be up to 25 days to reverse the charge or they could mail a check in a week. So, they are holding {$12000.00} of my money ( {$6000.00} of which needs to be returned XXXX for at least a month. Last year ( in XX/XX/XXXX ) TWICE they kept money ( totaling over {$50000.00} ) I paid to the card for at least a week before releasing the balance. They refused to tell me the exact reason why other than the bank hasn't release the money. Eventually I got an email, after I threatened to close my card, stating that they are holding the money in case the bank reversed the money. I spoke to my banker the day after I paid the card and he said the money was already released and sent to XXXX. Every time I call, the person I'm speaking to is a " manager '' and there is no one else I can speak to. The lady today lied to me when I asked to speak to someone else. In XX/XX/XXXX, when I asked to speak to a supervisor, I received the same response, " there is no one else for you to speak to regarding this issue. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Dear Sirs, Last year, I planned to take vacation starting from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I decided to purchase online, ahead of time, a multi-city flight ticket ( XXXX XXXX XXXX XXXX XXXX XXXX ), a room at the XXXX XXXX XXXX XXXX and a room at the XXXX XXXX XXXX. The total amount of this online activity should be {$840.00} + % interest. I have already made a payment of {$400.00} so far! What happen is the credit card company ( Barclay/ XXXX XXXX card ) just sent a {$960.00} statement balance this month which does not reflects the remaining balance of $ XXXX- $ XXXX= {$440.00} that I was expecting! After scrutinizing carefully their bill, I found out that, they added up an imaginary purchase of {$720.00} on XX/XX/XXXX! In addition to this, ( Barclay/XXXX XXXX card ) deliberately did not mail me this statement balance on XXXX and XX/XX/XXXX in order to cumulate their late fees to my bill. All in All, This is pure GREED! I really need your arbitration to solve this issue. Extra Information I did the same purchase online, on XX/XX/XXXX, with a different credit card ( XXXX XXXX ) ; I purchased another multi-city flight ticket ( XXXX- XXXX-XXXX XXXX ) a room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card 's statement balance is accurate! It reflects what I spent from XX/XX/XXXX to XX/XX/XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: i had 4 separate credit card accounts from Barclays bank, and on XX/XX/19 they closed all accounts. i have not been able to get a proper explanation from them other than " history of account usage ''. furthermore on my arrivals plus card i have XXXX miles and they wont let me redeem it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date. When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays. Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}. I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full. I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A